there's going to be a deficit used to be made up by mandatory coverage provisions. all that money has to come from somewhere. so you just are put to a choice, i guess. bankrupting the insurance companies, and the whole system comes tumbling down, or else enacting a federal subsidy program that the insurance would like. now, it is clear that there is a difference between the ememployer mandate and the individual mandate. the individual mandate is the core of the issue. we don't require americans, we are going to continue to have people that have free rides. they walk into the emergency room and get taken care of. nd you and i that work -- walk and pay emergency room for it, have to pay $1,000 a year toward their coverage. healthcare.gov is on the computer. you can look in there. there is a section for small businesses. i'm sure you have looked in there. you can read, obviously, so you know what's there. explain what is really going to happen to individuals when this law is implemented in january, as people are enrolled from september to october 1, what's going to hap